Stable-Value (SV) Rates - Monthly

[Admin/YBB]

Thread title changed to "Stable-Value (SV) Rates - Monthly" from "TIAA Traditional Rates - Monthly" on 2/26/23.
Posting format changed from 2/28/23- . It will include information from TIAA and TSP.

TIAA Traditional Rates, November 1, 2020

RC and RCP accumulation rates are up, the rest are unchanged.

RC 2.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


INCOME PAYOUT RATES FOR LIFETIME ANNUITIES ISSUED DURING DECEMBER 2020

VINTAGE          SINGLE LIFE W/10-YR GUARANTEE   JOINT LIFE W/20-YR GUARANTEE

2020                                    5.7%                                           4.9%

2019                                    5.7%                                           4.9%     

2016 - 2018                         5.8%                                           5.0%

2012 - 2015                         5.8%                                           5.0%

2002 - 2011                         6.3%                                           5.5%

Pre-2002                              7.9%                                           7.1%

[Admin/YBB]

TIAA Traditional Rates, January 1, 2021

No changes in accumulation rates. Payout rates are slightly up again - this time the assumed retirement age remains 67, so the slight rise looks genuine. Strange that three payout vintages have the same rates [2012-15, 2016-19, 2020-21] - to be consolidated next time?

RC 2.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


INCOME PAYOUT RATES FOR LIFETIME ANNUITIES ISSUED DURING FEBRUARY 2021

VINTAGE          SINGLE LIFE WITH 10-YR GUARANTEE   JOINT LIFE WITH 20-YR GUARANTEE

2020 - 2021                         6.1%                                                5.2%

2016 - 2019                         6.1%                                                5.2%                

2012 - 2015                         6.1%                                                5.2%

2002 - 2011                         6.6%                                                5.7%

Pre-2002                              8.2%                                                7.3%

An income payout rate represents the amount of annual income you will receive as a percentage of the amount you convert to lifetime annuity payments.

The examples shown above are based on a 67-year-old choosing a single life annuity with a 10-year guarantee period or a joint life annuity (with full benefit to survivor) with a 20-year guarantee period. Income payout rates for each participant will vary by age, the annuity partner’s age (for joint options) and the income option selected. Note that participants who contribute to TIAA Traditional over the long term may receive higher income amounts, since they would get the rates applicable to the older vintages as shown above.

Figures shown above are based on the TIAA Traditional Standard Payment Method.

[Admin/YBB]

TIAA Traditional Rates, February 1, 2021

No changes in accumulation rates. The payout rate is down a bit. The New IRA page now shows vintages - is that something new?

RC 2.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


INCOME PAYOUT RATES FOR LIFETIME ANNUITIES ISSUED DURING MARCH 2021

VINTAGE        SINGLE LIFE WITH 10-YR GUARANTEE   JOINT LIFE WITH 20-YR GUARANTEE

2021                                 6.0%                                                5.1%

2020                                 6.1%                                                5.2%          

2016 - 2019                      6.1%                                                 5.2%

2012 - 2015                      6.1%                                                 5.2% 

2002 - 2011                      6.6%                                                 5.7%

Pre-2002                           8.2%                                                 7.3%

An income payout rate represents the amount of annual income you will receive as a percentage of the amount you convert to lifetime annuity payments.

The examples shown above are based on a 67-year-old choosing a single life annuity with a 10-year guarantee period or a joint life annuity (with full benefit to survivor) with a 20-year guarantee period. Income payout rates for each participant will vary by age, the annuity partner’s age (for joint options) and the income option selected. Note that participants who contribute to TIAA Traditional over the long term may receive higher income amounts, since they would get the rates applicable to the older vintages as shown above.

Figures shown above are based on the TIAA Traditional Standard Payment Method.

[Admin/YBB]

TIAA Traditional Rates, Match 1, 2021

Several changes. The SRA accumulating vintages have collapsed to only two, 3.00% and 3.05%. For the newer IRAs, the accumulating rate remains at 1%, but the payout rate table is the same as for the others for the 2nd month - there was a question whether this was a mistake in the February 1, 2021 release, but posters have confirmed that this is indeed a policy change that remains formally unannounced.

RC 2.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage              Single-Life w/10-Yr Guarantee   Joint-Life w/20-Year Guarantee

2021                                  6.0                                       5.1

2020                                  6.0                                       5.1

2016 - 2019                        6.0                                       5.1

2012 - 2015                        6.1                                       5.2    

2002 - 2011                        6.5                                       5.6

Pre-2002                            8.1                                        7.2

[Admin/YBB]

TIAA Traditional Rates, April 1, 2021

RC up to 3%, RCP up to 2.25%. Some payout rates have improved for older vintages.

RC 3.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.25% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage           Single Life w/10-Yr Guarantee   Joint Life w/20-Yr Guarantee

2020 - 2021                    6.1                                       5.2

2016 - 2019                    6.1                                       5.2

2012 - 2015                    6.1                                       5.2

2002 - 2011                    6.6                                       5.7

Pre-2002                         8.2                                       7.3

[Admin/YBB]

TIAA Traditional Rates, May 1, 2021

No changes in accumulation rates. For payout, a new vintage [2021] with slightly lower payout rate has been created.

RC 3.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.25% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage            Single Life w/10-Yr Guarantee   Joint Life w/20-Yr Guarantee

2021                                6.0                                       5.1

2020                                6.1                                       5.2

2016 - 2019                      6.1                                       5.2

2012 - 2015                      6.1                                       5.2

2002 - 2011                      6.6                                       5.7

Pre-2002                          8.2                                       7.3

[Admin/YBB]

TIAA Traditional Rates, June 1, 2021

No changes in accumulation rates. Payout rates seem same except for tiny changes in the joint column.

RC 3.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.25% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage           Single Life w/10-Yr Guarantee   Joint Life w/20-Yr Guarantee

2021                               6.0                                       5.1

2020                               6.0                                       5.1

2016 - 2019                    6.1                                       5.2

2012 - 2015                    6.1                                       5.2

2002 - 2011                    6.6                                       5.6

Pre-2002                         8.2                                       7.2

[Admin/YBB]

TIAA Traditional Rates, July 1, 2021

RC & RCP accumulation rates are down.

RC 2.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage          Single Life w/10-Yr Guarantee   Joint Life w/20-Yr Guarantee

2020 - 2021                   6.0                                        5.1

2016 - 2019                   6.0                                        5.1

2012 - 2015                   6.0                                        5.1

2002 - 2011                   6.5                                        5.6

Pre-2002                        8.1                                        7.2

[Admin/YBB]

TIAA Traditional Rates, August 1, 2021

Accumulation rates are unchanged. Payout rates down slightly.

RC 2.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage          Single Life w/10-Yr Guarantee    Joint Life w/20-Yr Guarantee

2021                              5.9                                        5.0
2020                              6.0                                        5.1
2016 - 2019                    6.0                                        5.1
2012 - 2015                    6.0                                        5.1
2002 - 2011                    6.5                                        5.6
Pre-2002                        8.1                                        7.1

[Admin/YBB]

TIAA Traditional Rates, September 1, 2021

No changes.

RC 2.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage   Single Life w/10-Yr Guarantee   Joint Life w/20-Yr Guarantee

2021                       5.9                                       5.0

2020                       6.0                                       5.1

2016 - 2019            6.0                                        5.1

2012 - 2015            6.0                                        5.1

2002 - 2011            6.5                                        5.6

Pre-2002                 8.1                                       7.1

[Admin/YBB]

TIAA Traditional Rates, October 1, 2021

Change in accumulation Old IRA is notable. Slight reduction in the payout for current vintage.

RC 2.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)
Vintage         Single Life w/10-Yr Guarantee. Joint Life w/20-Yr Guarantee
2020 - 2021.                     5.9                                               5.0
2016 - 2019.                     6.0                                               5.1
2012 - 2015.                     6.0                                               5.1
2002 - 2011.                     6.5                                               5.6
Pre-2002.                          8.1                                               7.1

[Admin/YBB]

TIAA Traditional Rates, November 1, 2021

No changes.

RC 2.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage        Single Life w/10-Year Guarantee   Joint Life w/20-Year Guarantee

2020 - 2021                 5.9                                           5.0

2016 - 2019                 6.0                                           5.1

2012 - 2015                 6.0                                           5.1

2002 - 2011                 6.5                                           5.6

Pre-2002                      8.1                                           7.1

[Admin/YBB]

TIAA Traditional Rates, December 1, 2021

No changes in the accumulation rates. Tiny increases in the payout rates.

RC 2.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage         Single Life w/10-Yr Guarantee   Joint Life w/20-Yr Guarantee

2021 - 2022                  6.0                                       5.1

2020                            6.0                                       5.1

2016 - 2019                  6.1                                       5.2

2012 - 2015                  6.1                                       5.2 
    
2002 - 2011                  6.6                                       5.6

Pre-2002                      8.2                                       7.2 

[Admin/YBB]

TIAA Traditional Rates, January 1, 2022

Accumulation rates: Large increases in RC, RCP; modest increase in RA; NO increases in SRA, Newer IRAs.

Tiny increases in the payout rates for older vintages.

RC 3.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.25% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage           Single Life w/10-Yr Guarantee   Joint Life w/20-Yr Guarantee

2022                               6.0                                       5.1 
     
2021                               6.1                                       5.2

2020                               6.2                                       5.3

2016 - 2019                     6.2                                       5.3

2012 - 2015                     6.3                                       5.4

2002 - 2011                     6.8                                       5.9

Pre-2002                         8.4                                       7.5

[Admin/YBB]

TIAA Traditional Rates, February 1, 2022

Accumulation Rates: No changes; Payout Rates: Small increases

RC 3.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 3.25% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 2.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.00% [min] www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage         Single Life w/10-Yr Guarantee    Joint Life w/20-Yr Guarantee

2022                             6.2                                        5.3

2021                             6.2                                        5.3

2020                             6.3                                        5.4

2016 - 2019                  6.4                                        5.5

2012 - 2015                  6.4                                        5.5

2002 - 2011                  7.0                                        6.0

Pre-2002                       8.6                                        7.6 

[Admin/YBB]

TIAA Traditional Rates, March 1, 2022

TIAA WEBSITE JUST UPDATED ON 3/1/22 AFTERNOON

There have been significant INCREASES in all accumulate rates except for the Newer IRAs. Changes for flexible/open-architecture plans (RC, RCP) and dedicated/closed-architecture RA are more dramatic. The payout rates are up only slightly. 

I suppose that TIAA was holding extra meetings to approve these changes for the NEW Declaration-Year: For accumulations, March 1 - February 28/29; for payouts is January 1 - December 31.


RC  4.5% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA  4.25% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP  3.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA  3.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage        Single Life w/10-Yr Guarantee   Joint Life w/20-Year Guarantee

2022                            6.2                                       5.3

2021                            6.3                                       5.4

2020                            6.4                                       5.4

2016 - 2019                  6.5                                       5.5

2012 - 2015                  6.5                                       5.6

2002 - 2011                  7.0                                       6.1

Pre-2002                      8.7                                       7.8

[Admin/YBB]

TIAA Traditional Rates, April 1, 2022

Accumulation rates - No changes

Payouts - Tiny increases. Note that the same payouts now apply to all Traditional types mentioned.


RC 4.5% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 4.25% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 3.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 3.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 1.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage           Single Life w/10-Year Guarantee   Joint Life w/20-Year Guarantee

2022                               6.3                                          5.4

2021                               6.4                                          5.5

2020                               6.5                                          5.6

2016 - 2019                    6.6                                          5.7 
       
2012 - 2015                    6.6                                          5.7

2002 - 2011                    7.2                                          6.2

Pre-2002                         8.9                                          7.9

[Admin/YBB]

TIAA Traditional Rates, May 1, 2022

Accumulation rates - Up significantly; +0.50% increase across the board. Even the Newer IRA was not left behind this time.

Payouts - Respectable increases.


RC 5.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 4.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 4.25% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 4.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 2.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage            Single Life w/10-Yr Guarantee   Joint Life w/20-Yr Guarantee

2022                               6.6                                        5.7

2021                               6.7                                        5.7

2020                               6.7                                        5.8

2016 - 2019                     6.8                                        5.9

2012 - 2015                     6.9                                        6.0

2002 - 2011                     7.4                                        6.5

Pre-2002                         9.0                                        8.1

[Admin/YBB]

TIAA Traditional Rates, June 1, 2022

Accumulation rates - Up across the board, +0.25-0.30%.

Payouts - Decent increases.


RC 5.25% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 5.00% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 4.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 4.25% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 2.30% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634


Lifetime Income Payout Rate (%)

Vintage           Single Life w/10-Yr Guarantee   Joint Life w/20-Yr Guarantee

2022                              7.0                                        6.0

2021                              7.1                                        6.1

2020                              7.1                                        6.2

2016 - 2019                   7.2                                        6.3

2012 - 2015                   7.3                                        6.4

2002 - 2011                   7.9                                        6.9

Pre-2002                        9.7                                        8.8

[Admin/YBB]

TIAA Traditional Rates, July 1, 2022

Accumulation rates - up across the board, 0.20-0.50%.

Payouts - Tiny increases.


RC 5.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933637

RA 5.25% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933630

RCP 4.75% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933638

SRA 4.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933631

Newer IRAs 2.50% www.tiaa.org/public/investment-performance/tiaatraditional/profile?ticker=47933634

Lifetime Income Payout Rate (%)

Vintage         Single Life w/10-Yr Guarantee  Joint Life w/20-Yr Guarantee

Pre-2002                          9.9                                              9.0
2022                                 7.1                                              6.2
2021                                 7.2                                              6.3
2020                                 7.3                                              6.3
2016 - 2019                     7.4                                              6.4
2012 - 2015                     7.4                                              6.5
2002 - 2011                     8.0                                              7.1


Accessible from Morningstar (M*), Mutual Fund Observer (MFO), Facebook (“at”yogibearbull), Twitter (“at”YBB_Finance).